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Banking

Aadhaar banking (AEPS)

Cash withdrawal, balance check and mini statement with Aadhaar and a fingerprint.

Run this at your hub

For customers

  • Withdraw cash from your bank account with Aadhaar and a fingerprint
  • Check your balance and get a mini statement
  • Get a printed or WhatsApp receipt for every transaction
  • No card, cheque or trip to the bank branch

For the hub owner

  • Earn commission on every transaction
  • Cash you hand over is credited to your earnings wallet
  • Withdraw earnings to your bank account
  • Every receipt and transaction in your history
How it works

At the counter

  1. The customer gives their Aadhaar number and chooses the bank
  2. They place a finger on the scanner
  3. The bank approves the transaction
  4. You hand over the cash and the receipt

What the hub needs

  • A UIDAI L1 certified fingerprint scanner (for example Mantra, Morpho or Startek) with its RD Service
  • AEPS registration, done from the app or portal
  • A daily operator fingerprint login (NPCI rule)
  • Cash in hand for withdrawals
Questions

Common questions

Is the customer's Aadhaar number stored?

No. Aadhaar numbers and fingerprints are never stored. Only the last 4 digits are printed on the receipt.

What happens if a transaction is pending?

No money moves while it is pending. It is checked again automatically every few minutes until the bank confirms it.

Offer Aadhaar banking (AEPS) in your village

Apply as a PDO. Our team helps you set up the hub and every service.

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What a hub offers

Other services at the hub